Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$102,991Cash toward the purchase price.
Closing costs + prepaids$15,234Not just lender fees.
Before credits & paid funds$118,225The complete starting cash picture.
Estimated remaining funds due at closing
$118,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,990.87
Your down payment$102,990.87
Closing costs + prepaids$15,234.29
Total buyer cash needed$118,225.16
Remaining funds due$118,225.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$5,349.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,160.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,337.50
Prepaid interest, first (27 days)$918.76
Fees + prepaids$15,234.29
Your down payment is the seller’s equity. You take over the $432,008 balance, so the rest of the $534,999 price is paid at closing. A second mortgage can cover part of it. $118,225.16 is due at closing. Uses and sources reconcile at $550,233.29 each. Not a Closing Disclosure.